Key Takeaways Indiana's at-fault system means the driver who caused the crash may owe you lost income. Lost wages cover the income missed during recovery; loss of earning capacity covers long-term earning reduction. Solid medical records and employer verification make or break a lost wages claim. Several insurance policies may apply to lost income, but none guarantee a specific outcome. Indiana gives injured drivers two years from the crash date to file a personal injury claim. A car accident in Indiana can upend daily ...